This paper examines a range of policy and market issues associated with the proposed introduction of a public credit registry (PCR) in India.
This research analyzes a series of questions pertaining to the impacts on microfinance institutions (MFIs) when using credit bureau data (conventionally referred to as credit files) for purposes of underwriting credit; for the same purposes, it also analyzes credit scoring models and credit decisioning platforms that use credit bureau data.
This white paper discusses different data protection regimes and argues that whether a system is considered siloed or omnibus what really matters (in a practical sense) are the details and whether there is sufficient regulatory flexibility to account for “on the ground” realities. Credit information sharing is a focus of the white paper.
This report presents findings from the pilot effort of the Credit Deserts Project, which aims to map the incidence of Credit Invisibility, in which consumers have credit reports with no or insufficient data with which to generate a traditional credit score. Previous research suggests that Credit Invisibles disproportionately live in lower income areas of communities and help form what we call Credit Deserts.
This study is the final report on research that examines resulting credit score changes and consumer attitudes following the use of personalized credit education sessions by study participants. The credit education service examined is offered by a national credit bureau. Such services (offered by for-profit non-lender/non-creditor entities) are covered and inhibited by CROA.
This study was designed to gauge the impact of a personalized credit education service from a national credit bureau on consumer understanding of credit reports and scores as measured by changes in credit scores and results from a participant survey.
This study examines how shifting to full file credit sharing systems might impact lender competition. It specifically explores whether bank concentration falls following a shift to full-file credit sharing.
This report compares findings from the FTC and PERC studies on the data accuracy of U.S. consumer credit reports. The two studies have very similar results.
This white paper gives a history and context for Credit Card Reward programs.
This paper reflects consumer opinions and small business owner/operator viewpoints on government regulations regarding payment systems in general and credit cards in particular. The paper is based on survey results conducted by PERC and PERC/ORC.